I use this everrryday; w/ the mobile app that is tied to the software, it is near impossible to have your money/account unbalanced. After buying something, punch the amount on your phone, save and sync to the cloud; takes about 5 seconds. Can't reccomend it enough if you like keeping your money right and staying true to a budget.

Downloaded the free trial, did the free webinar which teaches you how to run the software, and then promptly paid for the full version. I NEVER pay full retail for any piece of software, so that should tell you how much I like this program! I never knew how to budget before getting YNAB. I now know how to budget, which makes the wife very happy. This program makes managing finances so much easier!

@You Need A Budget - Thanks for responding! I'll think about trying out YNAB, although admitedly, I'm a lazy, lazy man, and manually exporting/importing transaction history does not sound like a lot of fun. BUT! I'll give it a shot.

I am glad to see that this software might be on steam. I found YNAB as an alternative to eeba the phone envelope system. From what I have read, I think this will be great for making my budget in one place and my envelope system at the same time on the family phones. So far I like more things about YNAB than what I have to give up in leaving my (probably overcomplicated) spreadsheets. Will check back here in 30 days to see if I can get it through steam.

Strangely enough, I love that it "forces" me to take a look each month at what interest has accrued on my credit cards so I can keep the balances correct. I prefer to not see this, but I know it is good to stay grounded in reality. The ideas are a lot more in tune with how my wife and I live, constantly making plans and then having to change them as reality sets in. Thank you for providing rules that do not make us feel guilty when we have to change plans.

@An Athiest Jew - We've got a whole page up on our site about how we compare to Mint: http://www.youneedabudget.com/ynab-vs-mintLike Nepht said, a lot of it is about awareness, but also, remember the maxim: if you aren't paying for it, you are the product, not the customer!

The problem with Mint (aside from getting worse and worse the more Intuit bloats it) is that all that automation means you're heavily uninvolved with your own finances. The point of YNAB isn't to give you an easy summary of your accounts and investments, it's to teach you how to manage your money properly and encourage a lifestyle change if you aren't.

You could actually read about the software and what it's built around instead of just calling it spreadsheet software, you know.

So, this is cute, but MINT does exactly the same thing...and doesn't require its users to edit a spreadsheet. It looks at your bank account and spending history, separates everything, and presents options. You can go in there and set things manually if you really want to, but when the service provides great budgetary spending limits and options all on it's own, automatically, why bother going through the spreadsheet process with YNAB?

People spend 60 bucks on a game without thinking but cringe at the thought of spending it on a budget software. YNAB is great. I've gone through all the other systems (Mint.com, Microsoft Money, Quickbooks.) and it is by far the best.

You guys undersold my favourite feature - the mobile app. It's lovely to be able to stick expenses into my phone as and when they happen, instead of trying to save receipts and remember what I spent on what, especially for cash transactions. Cuts monthly budget-doing time to about 15 minutes (although I still frequently forget to do it).

You can definitely use Excel or a notebook to follow the methodology - the software developed from an Excel document originally. However, we've put 7 years of development into the software so it just works, rather than having to put together a spreadsheet to do the same thing!

As for people who actually have things to budget - that would be anyone who receives an income at all, and who has to (or wants to) spend that money :) You can think of it as a spending plan if that helps.

Looks like a nice program for people who actually have things to budget. I could argue that you could use Excel or a notebook to do what this program does, but this program clearly makes things easier.

A very happy user from the international market. We went from a small financial crisis (how come there is no money left for food?) to feeling financially confident enough to get a mortgage and buy a house - in 1 year! YNAB is fantastic, it helped us think about money in a different way. If STEAM wants to consider other products than games, this would be a fantastic choice. Less stress and more time to game if money is taken care of :)

First money management software that I was able to get my spouse to use. We have been using this for a little over a year and now we both know exactly where all of our money is going. Even when I am deployed, TDY, or unable to talk with her about our money. It keeps us synced on our goals and our spending.

The main reason to upgrade to YNAB 4 I think is the cloud syncing using Dropbox. It's so nice to work on your budget from anywhere you might be, and know that it is all synced and up to date. A big plus over other software!

When people think about budgeting and income management tools, the word "exciting" doesn't come to mind, but this application succeeds in making budgeting as close to fun as it can get, and the support is awesome. I would love to see this on Steam.

As a gamer, I see no problem with non-gaming software becoming part of Steam. Why shouldn't everyone get the benefit of a solid cloud-based software delivery mechanism? And, what better piece of software than YNAB to get that started? I've been using YNAB for nearly 3 years and it has literally changed my life. Simple rules, an intuitive user interface and amazing cloud sync between mobile devices puts YNAB a step above Money, Mint or Quicken. Highly recommended for anyone who wants to effectively manage their money!

This software was the best/most sensible purchase for me this year (maybe even longer) and have saved me money in so many ways. If it gets onto Steam as a new distribution mechanism, then that's simply great news for anyone who hasn't heard of it yet.

This is great software and if Steam is going to expand beyond gaming, then this is an excellent first step. Good financial software can easily result in hundreds if not thousands of dollars in savings, just by making your own spending habits more transparent.